Affluent Announcements

💎 The era of stablecoins

Just a few years ago, stablecoins were mainly used to settle speculative crypto trades. But by 2025, they have evolved into a global payment infrastructure with low costs and fast transactions.

According to analysts, approximately $46 trillion in transactions were processed through stablecoins over the past year. This is nearly three times the volume of Visa and comparable to the throughput of the world’s largest banking systems.

In 2025, the total stablecoin supply surpassed $300 billion for the first time. By 2030, the market could grow by more than 10x🔝

The focus of the crypto industry is gradually shifting away from speculative assets, and moving toward payment infrastructure and everyday usability. Today, stablecoins are increasingly used as a base asset for more structured money management and capital preservation.

How exactly does this work? We’ll share more details soon 👀

DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

Community | X | Support

How to Earn APY on TON and Stablecoins

Learn how to earn APY directly through your TON Wallet. In the latest video, we cover:

▪️ How TON Wallet supports earning
▪️ A step-by-step guide to staking and generating APY

Put your crypto to work instead of leaving it idle.

🎥 Watch now and start earning.

TON Community | TON Builders | TON Hubs | X (Twitter) | YouTube | Website | Blog | LinkedIn

💎 Track your portfolio performance in Wallet

We continue to improve Wallet, making it more convenient for managing your assets. Today, we’ve added portfolio and position performance to the main screen, so you can easily track how the value of your crypto assets changes over time.

🔖 What’s new in this update:

● Total portfolio performance displayed on the main screen under your balance (for the last 24 hours and for all time)

● Performance for each asset in your portfolio

● Results for your active positions in the Earn section

Interface updates will be rolled out gradually to all users.

Your feedback matters to us — share your ideas and suggestions in the comments under this post. We carefully review them and use the most valuable ones to guide future updates✏️

This communication is not intended for persons in the United Kingdom.

Community | X | Support

Wishing you a Happy New Year!

As we close out 2025, we want to take a moment to thank everyone who has been part of Affluent’s journey this year.

Community members, builders, and partners, your trust and support are what make everything we do possible.

🟩 Affluent:
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This announcement outlines the direction of Affluent Protocol V3.

We are expanding asset coverage, introducing institutional-grade risk controls, and connecting Users to deeper global liquidity, setting the foundation for the next phase of DeFi, all in TON Wallet.

V3: Infrastructure Expansion

Affluent Protocol V3 is approaching.

• This is not a routine feature release, it represents a deliberate expansion of financial infrastructure.
• V3 introduces new asset classes, deeper capital efficiency, and a broader foundation for the next stage of Affluent Protocol.

xStocks as On-Chain Collateral:

Tokenized stocks (xStocks) are now available in TON Wallet.

• Affluent is preparing a lending market where xStock holders can unlock liquidity without selling, using tokenized equities as collateral to borrow USDT.
• This brings equity-backed leverage and structured liquidity mechanics directly on-chain.
• V3 introduces time-based borrowing controls that restrict additional borrowing during defined periods, such as weekends when reliable stock pricing is unavailable, protecting lenders while preserving protocol stability.

Entrance of the Ethereum Yield Opportunities

Beyond equities, Ethereum-based assets are entering the ecosystem in a meaningful way.

• Affluent directly connects Users to Ethereum’s yield opportunities, where DeFi infrastructure is mature, and liquidity is deep enough to support a large Telegram-native user base.
• This unlocks a new economic layer, deeper liquidity, a diversified class of assets, and exclusive earning opportunities not previously accessible within the ecosystem.
• V3 is where Telegram DeFi begins to scale with global capital.

🟩 Affluent:
Earn | Website | App | Telegram Mini App | Telegram (Announcement) | Telegram (Community) | X (Twitter) | Blog (Substack) | Linkedin

🎁 Gift Fest with TON Wallet

If you haven’t heard about Gift Fest yet, now is the perfect time to join. More than 3 million players are already taking part — completing tasks, earning energy and joining prize draws.

The total prize pool exceeds $400,000, with over 100,000 gifts, including iPhones, AirPods, Telegram gifts, Gold, Dollars, and much more.

New limited-time tasks from TON Wallet have launched in Gift Fest. Among all participants who complete these tasks, $10,000 worth of USDT will be randomly distributed.

🏆 How to participate:
● Subscribe to TON Wallet’s social media channels
● Make a deposit of at least 10 USDT
● Swap any cryptocurrency to TON for $15 or more

These tasks are available only until December 22. Full details are inside the Gift Fest app.

Gift Fest is a third-party project, not operated by TON Wallet. Investments in crypto are risky. This communication is not intended for persons in the United Kingdom.

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Affluent Protocol '25 Year-End Update

As we approach the end of the year, we’d like to share a few important updates in today's announcement, with changes going live this Friday.

1/ 2025 Milestone & 2026 Vision

We had achieved a significant milestone in 2025. Affluent’s Vaults have been natively integrated to the TON Wallet’s “Earn” section, providing a sustainable yield via “USDT Earn” & “Gold Earn”. We will continue to expand our products, like cross-chain vaults, to provide exclusive yield opportunities for Telegram users.

Key points:

· Through this integration, Affluent now enables seamless and sustainable earnings directly inside the TON Wallet, starting with USDT Earn and Gold Earn.
· Massive rewarding campaigns like “Plush Pepe Raffle Event” & “USDT Campaign on Gift Fest”, USDT Earn deposit has achieved $1M in less than a month, and “Earn” users have grown nearly to 7,000.
· Our focus remains on delivering sustainable yield, with new vaults, new partners, and new assets to provide exclusive earn opportunities in early 2026.

2/ Points Program & Page Update

The Bridge Season “Structure” campaign will come to a close.

· Today, users earn 10 Affluent Points for every 1 USDT deposited into the USDT Multiply or Lending Vaults (up to 1,000 USDT per wallet).
· With this update, vaults will no longer generate Affluent Points, as we prepare to introduce new vaults with more exciting rewards and incentive structures in early 2026.
· All previously earned Affluent Points remain fully secure. Your balances will remain visible in the Affluent App.

*The Last points for USDT Multiply and Lending Vaults will be distributed on 19 December 00:00 (UTC)

3/ Product Roadmap

· Affluent Protocol V3 is on the way. While we’re not unveiling the full technical upgrade just yet, this marks a major step forward in performance, efficiency, and scalability.
· The turning point for the V3 feature would be the “Cross-Chain Vault” feature. These vaults will introduce new asset classes and exclusive APYs for Telegram users. Details will be shared soon, but users can expect a meaningful expansion of the Affluent Protocol.

4/ A Warm New Year Message

As 2025 comes to a close, we’d like to extend our sincere gratitude to our community. We wish you and your loved ones a happy holiday season, and we look forward to starting an exciting 2026 together.

🟩 Affluent:
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🎁 Gift Fest hits 3M participants in just few weeks

Gift Fest is a Holiday festival mini-app on Telegram. Play daily, merge Gifts, complete tasks, and join weekly raffles for a chance to win from a $400K prize pool.

In only two weeks, it has become one of Telegram’s biggest mini-app launches of 2025:
🔹 3M+ participants
🔹 ~100K new users joining every day
🔹 Nearly 85K prizes already distributed

The prize pool includes 100,000 gifts, featuring iPhones, AirPods, USDT, tokenized U.S. stocks, Telegram Stars, Telegram Gifts, and more, with the main prize Plush Pepe worth 5300 TON.

One recent Wallet in Telegram raffle featuring xStocks attracted 300K+ participants on its own.
How it works:

Play daily → earn XP → level up → unlock bigger raffles.

The higher your level by December 29, the better your chances in the final draw.

📲 No registration. Just open and play.

👉 Launch the mini-app
👉 Follow updates

🚀 The Smoothest DM Slide? The One With Crypto Inside!

Sinclair Adams shows you why @wallet hits different as he walks through his daily routine of sending funds to his:
💘 Crush
👊 The boys
👨‍👩‍👧‍👦 And the fam

If he can do it, so can you.

So what’s stopping you? 🤔
👉 Try TON Wallet today

📰 TON Wallet Digest

We’ve gathered the latest TON Wallet updates for you 👇

● USDT Earn launched. With the integration of Affluent, a decentralized protocol on TON, you can now earn up to 4.5% APY on your USDT.

● Gold Earn launched. Earn up to 5% APY in XAUt0, with daily rewards and automatic compounding.

● Updated Collectibles (NFT) section. You can now list NFTs for sale directly in TON Wallet and easily showcase your collections in Telegram. A single tap on any NFT takes you to Getgems — a popular marketplace where you can view the full collection.

And the most exciting part is coming in December. This month, we’ll introduce several important updates that will open up new ways to use TON Wallet 💎

Affluent is a third-party protocol, not operated by TON Wallet. DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

Earn on Gold: up to 5% APY in TON Wallet 🧳

Starting today, you can earn up to 5% APY simply by holding tokenized Gold (XAUt0) in TON Wallet. The yield is generated through a special Affluent vault (Gold Multiply Vault), where your Gold is deposited.

We already explained tokenized gold in detail in a previous post. Since then, the price of gold has increased by about 20% — from $3,350 to $4,050 per troy ounce.

💵 How to start earning with Gold

● Open TON Wallet and go to the Earn tab in the bottom menu.

● Select the Gold campaign and tap Start earning.

● Tap Deposit, enter the amount you want to add, and confirm the transaction. There are no minimum or maximum limits. Done!

Gold rewards are distributed daily and compounded automatically.

Don’t miss the chance to earn just by holding crypto in Telegram 💙

Affluent is a third-party protocol, not operated by TON Wallet. DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

🎁 We’re giving away a Plush Pepe and other Telegram gifts!

Recently, we announced that you can now earn up to 4.1% APY just by holding USDT in TON Wallet. To celebrate the update, we’re giving away several Telegram gifts — including one legendary Plush Pepe!

To join, deposit at least 100 USDT into the USDT Earn campaign in TON Wallet before November 14, and keep your deposit there until November 25. We’ll randomly select winners from these three groups, depending on your deposit amount 👇

● 4 Swiss Watches — for deposits from 100 to 250 USDT 🎁
● 2 Artisan Bricks — for deposits from 251 to 500 USDT 🧱
● 1 Plush Pepe — for deposits from 501 USDT and above 🎁

You can make your deposit in parts, but by November 14 the full amount must already be in the campaign. Your deposit must remain there until November 25. Withdrawals and re-deposits do not count as new deposits — such users won’t be included in the draw.

How to join:

● Open TON Wallet and select the Earn tab at the bottom menu.
● Select the USDT campaign and deposit the required amount.
● That’s it! You’ll immediately start earning up to 4.1% APY on your deposit and automatically join the giveaway!

We’ll randomly select 7 winners on November 26 and share the draw recording in our channel. Telegram gifts will be sent to the winners’ TON Wallets the same day 💎

FAQ
Terms

DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

💰 USDT Earn: Get 3.49% Ethena Yields in TON Wallet

Get 3.49% Ethena yields by holding USDT in TON Wallet through Affluent, a decentralized protocol on TON. Affluent uses smart vaults and automated strategies to generate returns, currently integrating with Ethena to provide rewards directly in USDT. No need to swap for and stake USDe.

How to start:
▪️ Open TON Wallet → tap Earn
▪️ Select the USDT campaign → Deposit
▪️ Confirm your transaction

Earn a 3.49% flat fee now in USDT (credited daily with compounding).

👉 Try it here.

Disclaimer: This content is for informational purposes only and does not constitute financial advice or an endorsement of any trading platform. Trading cryptocurrencies carries significant risk. Always conduct your own research (DYOR) before making any investment decisions.

🎁 Special Offer for Streakers: Affluent

We continue to introduce the bonuses available in the campaign. This time, our guest is Affluent, an infrastructure for trustless asset management. 🎁

🎁 Here’s what they bring: Earn 10 Affluent Points for every $1 deposit. And get a Silver Vault NFT for 1,000 USDT full-period deposits (+5% bonus).

It’s worth noting that Affluent includes features like lending, borrowing, and yield optimization tools, which are useful for both beginners and experienced users. That’s why it might be worth looking into the most effective way to earn Points.

🎁 To learn more about what our partners offer, simply go to the Streaks section and click on any of them. It’s great to have so many options!

💎 USDT Earn: Get up to 3,5% APY in TON Wallet

You can now earn up to 3,5% APY just by holding USDT in TON Wallet — thanks to our integration of Affluent, a decentralized protocol built on TON.

Affluent is a DeFi protocol on the TON blockchain. It uses smart vaults and automated strategies to allocate funds across other protocols and generate returns 👛

Currently, Affluent uses the Ethena protocol to generate rewards inside TON Wallet. This means you no longer need to exchange USDT to USDe — Affluent does everything for you and credits rewards directly in USDT. In the future, we’ll add support for more protocols so you can earn even more without leaving TON Wallet 🏦

How to get started 👇

● Open TON Wallet and tap the Earn tab in the bottom.

● Choose the USDT campaign and tap Deposit.

● Enter the amount you want to deposit and confirm the transaction.

● That’s it — your USDT rewards are credited daily with compounding.

Don’t miss the chance to earn just by holding crypto in Telegram 💙

Affluent is a third-party protocol, not operated by TON Wallet. DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

🌳 GMultiply Everyone!

We’ve been quiet, but for all the right reasons.

Behind the scenes, our team was focusing on:

⚙️ Product Upgrades
🔗 Institutional Technical Integrations
💰 Upcoming Campaigns

📣 Stay tuned. It’s coming sooner than you think!

🟩 Affluent:
Website | App | Telegram Mini App | Telegram (Announcement) | Telegram (Community) | X (Twitter) | Blog (Substack) | Linkedin

🇸🇬 See you in 3 days!

🌳 “Activating Earn & Trade in Telegram Wallet”, evening exploring how DeFi, yield strategies, and trading are converging within Telegram’s super-app ecosystem.

🎤 Speakers
Affluent: Justin Hyun (Co-CEO)
Wallet in Telegram: Irina Chuchkina (CGO)
STONfi: Ethan Clime (Head of Dev Rel & Grant Fund)

Grab your seats ⬇️
🔗 Registration (Luma)
🔗 TOKEN2049 SG Official Side Event List

🟩 Affluent:
Website | App | Telegram Mini App | Telegram (Announcement) | Telegram (Community) | X (Twitter) | Blog (Substack) | Linkedin

🚀 Affluent Points Program: OG Season “Affluencer” NFT airdrop has been completed!

🏅 We would like to share our gratitude for your participation! NFT = proof that you were here before the floodgates open.

🌳 Dear Affluencers, please check your wallets!

📃 Affluencers List

🔗 Affluent’s Official GetGems Collection

🟩 Affluent:
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